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Advisors who think they know all there is to know about term life insurance might be surprised to learn that these policies are finally being brought up to speed.
Increasing demand for already popular term life policies has insurance companies jumping to differentiate their products in a crowded market. The result is a new generation of term life products that can be customized to meet the needs of an extremely diverse section of the market.
Whether your clients are concerned about covering education costs or providing enhanced benefits in the case of specific accidents, modern term life insurance might be the solution.
Popularity of term life insurance
Term life insurance, which provides life insurance coverage only for a fixed period of time, has been identified in recent surveys as one of the most popular insurance products on the market today. Although term life insurance expires at the end of the policy's term, providing no benefits if the client is still living at that time, many clients prefer term life insurance because it is a relatively low cost option that can often be obtained through their employers.
Despite this, financially savvy clients may reject term life insurance because benefits provided under these policies are often much more limited than those associated with permanent life insurance or annuity products, which typically allow clients to add on investment features or long-term care coverage.
New product developments
Recognizing the potential market for customizable term life insurance policies, carriers have begun offering a wider range of options in connection with these policies. Because the major drawback of a term life insurance policy is that premiums are lost if the insured outlives the policy term, many carriers now offer a return of premium rider that provides for the return of premium payments in the event that the insured is still alive when the term expires.
Add-on education riders can be used to provide for payment of a portion of the death benefit each year over a period of time (usually four years) to the insured's dependents to ensure that funds are available to cover education-related expenses. Similarly, some policies offer professional retraining riders to cover these expenses, which can be useful for clients concerned about disability.
Child and spousal riders are becoming more widely available to provide for payment of proceeds upon the death of the insured's child or spouse. These riders usually provide for a set dollar value to cover final expenses of the deceased.
Seat belt, airbag, and helmet riders that provide protection in the case of death in an accident are also commonly offered.
See also: 3 term life selling roadblocks — and how to overcome them
While all of these riders are typically accompanied by a higher premium expense, they give clients the flexibility they need to design a product that furthers the individual client's goal, and many are finding this well worth the cost.
While term life insurance coverage comes with its own set of risks, in many cases, the ability to customize the traditional policy to meet the individual needs of the client, coupled with the potential for low premium payments, may make these policies a smarter option for many clients.
For more, see:
Consumers clueless about life insurance value
Endangered estate planning tools? At least we still have life insurance

subset: commoncrawl


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CAPE GIRARDEAU, Mo. – Due to low Mississippi River levels, the Red Star Access boat ramp in Cape Girardeau is not operational, except for canoes or kayaks, according to the Missouri Department of Conservation (MDC). A large sand bar blocks passage to the river channel. The current river stage is 6.2 feet at the Cape Girardeau gauge.
Conservation officials say the access will not be operational until the river stage rises to 8 feet or above, which is not in the immediate short-term forecast.
The closure of the boat ramp will also impact the Day on the River event sponsored by MDC. This event was planned to be held at Red Star Access, but will now be held at the Cape Girardeau Riverfront this Saturday, Sept. 22, from 9 a.m. to 4 p.m.
According to the event coordinator, MDC Naturalist Angela Pierce, this event will still be fun for the whole family.
"Families will enjoy boat rides, live aquatic creature displays, and other river related activities." Pierce said. "Just pick up your free ticket [for the boat rides] at the information table during the event."
Day on the River is held in conjunction with National Hunting and Fishing Day, making the event an easy way for parents to introduce their children to the fun of fishing.
Find more information about Red Star Access and other Missouri conservation areas online at mdc.mo.gov. For more information about Day on the River, call the Cape Girardeau Conservation Nature Center at (573)290-5218.


text: Job Discussion Forums :: View topic - Romney the next President? Get TEFL Certified & Start Your Adventure Today! Job Discussion Forums"The Internet's Meeting Place for ESL/EFL Students and Teachers from Around the World!" FAQ Search Memberlist Usergroups Register Profile Log in to check your private messages Log in Romney the next President? Goto page Previous 1, 2, 3 ... 39, 40, 41, 42 Next Job Discussion Forums Forum Index -> Current Events Forum View previous topic :: View next topic Author Message Cool TeacherJoined: 18 May 2009Posts: 930Location: Here, There and Everywhere! :D Posted: Fri Nov 02, 2012 7:11 pm Post subject: Come on Barakc Obaama You can do it! Win the election! Back to top johnslatJoined: 21 Jan 2003Posts: 13859Location: Santa Fe, New Mexico, USA Posted: Fri Nov 02, 2012 9:08 pm Post subject: Dear Cool Teacher, Well, Newt thinks it's a done deal: "Errant Gingrich Email: 'Obama Is Going to Win' " http://news.yahoo.com/errant-gingrich-email-obama-going-win-174518235.html Regards, John Back to top raweraJoined: 21 Aug 2012Posts: 38 Posted: Sat Nov 03, 2012 2:23 am Post subject: Candidates sell their list serve to advertisers.... LOL, America. Back to top Captain_FilJoined: 06 Jan 2011Posts: 604Location: California - the land of fruits and nuts Posted: Sat Nov 03, 2012 10:49 am Post subject: No one really knows who is going to win. Some say Obama will win. http://fivethirtyeight.blogs.nytimes.com/ Others say that Romney will win. Possibly, in a landslide. http://www.redstate.com/2012/10/31/on-polling-models-skewed-unskewed/ http://washingtonexaminer.com/barone-going-out-on-a-limb-romney-wins-handily/article/2512470#.UJTrGMVZU2Q We won't know until Election Day. Or, the day after. Or, weeks later. Back to top johnslatJoined: 21 Jan 2003Posts: 13859Location: Santa Fe, New Mexico, USA Posted: Sat Nov 03, 2012 1:46 pm Post subject: Dear Captain_Fil, Conservatives say Romney will win. Liberals say Obama will win. Ho Hum - nothing to see here. Move along. But please let us know when you get a link to, say, Nancy Pelosi, saying that Romney will win. Regards, John Back to top Captain_FilJoined: 06 Jan 2011Posts: 604Location: California - the land of fruits and nuts Posted: Sat Nov 03, 2012 5:52 pm Post subject: Dear John, Okay, my friend. Here it is... http://www.politico.com/news/stories/1012/82606.html Regards, CF Back to top spiral78Joined: 05 Apr 2004Posts: 11534Location: On a Short Leash Posted: Sat Nov 03, 2012 8:00 pm Post subject: CF, you're citing Faux news. Back to top johnslatJoined: 21 Jan 2003Posts: 13859Location: Santa Fe, New Mexico, USA Posted: Sat Nov 03, 2012 10:26 pm Post subject: Dear spiral, Not only is it Fox, it's from Oct. 18th. The latest from Ohio: 22 hours ago CNN Poll: Obama 50% Romney 47% in Ohio http://politicalticker.blogs.cnn.com/category/polls/ GObama Regards, John Back to top Cool TeacherJoined: 18 May 2009Posts: 930Location: Here, There and Everywhere! :D Posted: Sun Nov 04, 2012 1:52 am Post subject: johnslat wrote: Dear Cool Teacher, Well, Newt thinks it's a done deal: "Errant Gingrich Email: 'Obama Is Going to Win' " http://news.yahoo.com/errant-gingrich-email-obama-going-win-174518235.html Regards, John Yeah, but Newt Giongrich is known to get things wrong sometimes. Back to top choudoufuJoined: 25 May 2010Posts: 3325Location: Mao-berry, PRC Posted: Sun Nov 04, 2012 2:41 am Post subject: Captain_Fil wrote: One week from now, the election will be over! or not........ NYS Board Of Elections: Its Possible Voting May Be Permitted Beyond Tuesday If Turnout Is Less Than 25% Of Registered Voters, Second Day Could Happen "...Any second day would have to be scheduled within 20 days...." http://newyork.cbslocal.com/2012/11/02/nys-board-of-elections-its-possible-voting-may-be-permitted-beyond-tuesday/ [how appropriate......voting on turkey day] Back to top johnslatJoined: 21 Jan 2003Posts: 13859Location: Santa Fe, New Mexico, USA Posted: Mon Nov 05, 2012 6:35 pm Post subject: Maybe it's just me, but this seems a little, well, creepy: Romney Records Videos of His Staffers While They Sleep "Over the weekend, he took out his iPhone and began to surreptitiously record video of his aides asleep in their seats. As he prowled the cabin, laughing quietly to himself, he seemed to understand that come Tuesday, win or lose, this chapter of his life would be over." The reaction to this anecdote at The Atlantic Wire was split along gender lines, with women aghast at its creepiness, and men responding more like, "Huh, that's sort of a bro-y thing to do." Nevertheless, the paragraph gets reflects a question that has obsessed political reporters this presidential campaign and doesn't seem to have been answered: Who is the real Mitt Romney? (These are all different stories at different publications: "The Dark Side of Mitt Romney," "The Real Mitt Romney," "The Real Mitt Romney," "Who Is the Real Mitt Romney?" "Understanding the Real Mitt Romney," "Presidential, Sure, but Who Is the Real Mitt Romney?" "Will the Real Mitt Romney Please Stand Up?" "Will the Real Mitt Romney Please Stand Up?" The book The Real Romney, written by Boston Globe reporters, was released this year.) In the context of the hunt for Romney's realness, that Times paragraph, the final detail in one of the final campaign stories, has two distinct parts: There is the factual observation -- Romney chuckling to himself while taping sleeping staffers -- and there is the speculation about what Romney was thinking while he did it -- a nostalgic recognition that their time together was almost over. But we don't actually know that's what Romney was thinking. Maybe he was thinking, "Haha, they snore. This will look awesome on Instagram." Or maybe, "He's clearly in REM sleep because I can see his eyelids move." Or maybe, "Fools, they know not how vulnerable they are." The Times reports that even some aides never figured out what was going on inside his head: Two years into the race, Mr. Romneys interior life remains something of a mystery not just to voters but even to some of his aides. He seems capable of truly unwinding only in the company of his family. He eschews the raucous staff dinners and late-night strategy huddles that are a staple of campaign life. At night, he sometimes eats alone in his hotel room, savoring his solitude over takeout that aides order from nearby restaurants. The Times' corresponding story about President Obama portrays him much less mysteriously. Obama, in the Times' telling, is getting sentimental about his last campaign, and a little post-modern about it: "I was backstage with David Plouffe," Mr. Obama told the crowd, referring to his political guru, who looked surprised as he stood offstage. "And we were talking about how, as the campaign goes on, weve become less relevant. Im sort of a prop in the campaign " http://news.yahoo.com/romney-records-videos-staffers-while-sleep-140656429.html But hey, maybe it's just harmless fun. Regards, John Back to top Guy CourchesneJoined: 10 Mar 2003Posts: 9650Location: Mexico City Posted: Mon Nov 05, 2012 6:50 pm Post subject: Care to make a prediction? Here's an interactive electoral college vote map...you pick the winner by swing states and see who wins. I have Obama winning 286 to 252... http://www.bbc.co.uk/news/world-us-canada-19794259 Back to top Guy CourchesneJoined: 10 Mar 2003Posts: 9650Location: Mexico City Posted: Mon Nov 05, 2012 7:00 pm Post subject: Trouble for Obama... http://www.bbc.co.uk/news/world-us-canada-20201749 Quote: Mr President, you may as well give up now. You may have Nate Silver and other pollsters calling the election in your favour but the Redskins Rule has been just as reliable over the years in predicting the outcome. Since 1940, the outcome of the Washington Redskins last home game before the election has correctly predicted the outcome of the presidential election 17 out of 18 times. If the Redskins lose, the challenger wins. If the Redskins win, the incumbent wins. On Sunday, the Redskins lost 21-13 to the Carolina Panthers. The outcome bodes well for the Romney campaign, especially as the Redskins were the favourites to win. Back to top johnslatJoined: 21 Jan 2003Posts: 13859Location: Santa Fe, New Mexico, USA Posted: Mon Nov 05, 2012 7:17 pm Post subject: My "cautiously optimistic" tally: Obama: 277; Romney: 261 Actually, I suppose I should call it my "cautiously pessimistic" tally since I gave Romney the benefit of the doubt in two or three swing states that (I think) will go for Obama. Here are some polls Electoral Vote Final Prediction: Obama: 290 Romney: 248 http://race42012.com/category/2012-electoral-college-projection/ ROMNEY 235 OBAMA 303 ✓ http://electoralmap.net/2012/intrade.php Add it all up and the final tally is Obama 277, Romney 261. He agrees with me, but the Examiner is a "Republican" paper, http://washingtonexaminer.com/prediction-obama-wins-narrow-electoral-college-victory/article/2512619#.UJgQsYVabTM Obama: 301. Romney: 231 http://fivethirtyeight.blogs.nytimes.com/ My "more realistic tally" - Obama: 287 Romney 251 (but I could be off by 10, either way. Still, either way, Obama wins. Regards, John Back to top johnslatJoined: 21 Jan 2003Posts: 13859Location: Santa Fe, New Mexico, USA Posted: Mon Nov 05, 2012 7:21 pm Post subject: Dear Guy, Ah, but welcome to the 21st century: Twenty-first century In 2000, the Redskins would begin what would become a four game losing streak with retrospect to the rule when they lost to the Titans. George W. Bush would end up defeating Al Gore in the electoral college, but would lose the popular vote. This would cause problems for the original version of the rule after the 2004 election. In 2004, the Redskins lost their last home game before the presidential election, indicating the incumbent should have lost; however, George W. Bush (the incumbent) went on to defeat John Kerry. Steve Hirdt, credited with the discovery of the rule, then modified it to refer not to the incumbent party in the White House but to the party that last won the popular vote. In the election in 2000, Al Gore won the popular vote, and thereby the revised Redskin Rule has been upheld.[2] In 2008, the Redskins lost to the Pittsburgh Steelers, thereby predicting a win for Illinois Senator Barack Obama over Arizona Senator John McCain because George W. Bush won the popular vote in 2004.[1] On November 4, 2012, the Redskins lost against the Carolina Panthers. It was the last home game for the Redskins before the 2012 Presidential Election, which will take place on November 6. If the Redskins Rule holds true in the upcoming election, it predicts a loss for incumbent Barack Obama against challenger Mitt Romney.[3] The revision to the rule ("Redskins Rule 2.0") states that "when the popular vote winner does not win the election, the impact of the Redskins game on the subsequent presidential election gets flipped. So, with that, the Redskins' loss in 2004 signaled that the incumbent would remain in the White House." http://en.wikipedia.org/wiki/Redskins_Rule Regards, John Back to top Display posts from previous: All Posts1 Day7 Days2 Weeks1 Month3 Months6 Months1 Year Oldest FirstNewest First Job Discussion Forums Forum Index -> Current Events Forum All times are GMTGoto page Previous 1, 2, 3 ... 39, 40, 41, 42 Next Page 40 of 42 Jump to: Select a forum Where to Begin----------------General DiscussionNewbie ForumCurrent Events ForumTechnology ForumOnline Teaching Forum Africa Forums----------------General Africa Forum Asia Forums----------------CambodiaChina (Job-related Posts Only)China (Off-Topic)Hong KongIndiaIndonesiaJapanMalaysiaPhilippinesSingaporeTaiwanThailandGeneral Asia ForumVietnam Caribbean Forums----------------General Caribbean Forum Europe Forums----------------Czech RepublicFranceGermanyGreeceItalyMacedonia and the BalkansPolandRomaniaRussia & C.I.S.SpainTurkeyUkraineUnited KingdomGeneral Europe Forum Latin America Forums----------------ArgentinaBrazilChileColombiaCosta RicaMexicoMexico (off-topic)PeruGeneral Latin America Forum The Middle East Forums----------------BahrainEgyptIsraelKuwaitOmanQatarSaudi ArabiaUnited Arab EmiratesGeneral Middle East Forum North America Forums----------------General North America Forum Oceania----------------Australia/New Zealand You cannot post new topics in this forumYou cannot reply to topics in this forumYou cannot edit your posts in this forumYou cannot delete your posts in this forumYou cannot vote in polls in this forum This page is maintained by the one and only Dave Sperling. 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QsymiaTreatment for Obesity
Update: Qsymia (phentermine/topiramate) Now FDA Approved - July 17, 2012
VIVUS Provides Qnexa Regulatory Update
MOUNTAIN VIEW, Calif., Jan. 9, 2012 /PRNewswire/ -- VIVUS, Inc. today announced that following recent discussions with Food and Drug Administration (FDA) officials, the company has been asked to remove the Qnexa contraindication for women of childbearing potential contained in the proposed label. Qnexa would remain contraindicated for women who are pregnant. A contraindication typically indicates that a drug should not be used because the risk of use clearly outweighs any possible therapeutic benefit.
Included with the resubmission of the Qnexa New Drug Application (NDA) was a proposed Risk Evaluation and Mitigation Strategy, or REMS. The company is currently revising its proposed REMS based on this change in the contraindication and plans to discuss the details of the Qnexa REMS during the upcoming Endocrinologic and Metabolic Drugs Advisory Committee.
"Based on our discussions with the FDA, we will modify the contraindication and develop an appropriate REMS with FDA's guidance. It is important for patients seeking treatment to understand and be reminded of the potential risks associated with Qnexa. In addition to other elements, the proposed REMS program will focus on the education of patients and healthcare providers through frequent communications that will outline the safety aspects and appropriate use of Qnexa," commented Peter Tam, president of VIVUS, Inc. "The company's disclosure of this regulatory update should not be interpreted to mean that the potential for FDA approval of Qnexa has improved or that, if approved, that the final Qnexa label would not include contraindications or warnings for specific populations, including women of childbearing potential."
In September 2011, the company announced that it reached agreement with the FDA on a plan that allowed for an early resubmission of the Qnexa NDA. The resubmission plan allowed VIVUS to seek approval for an initial indication that included obese men and women of non-childbearing potential which contained a contraindication for women of childbearing potential. Based on this agreement, VIVUS resubmitted the Qnexa NDA in October 2011. The FDA accepted the NDA for review on November 3, 2011.
The Endocrinologic and Metabolic Drugs Advisory Committee of the FDA is scheduled to review the Qnexa NDA on February 22, 2012. The target date for the FDA to complete its review of the Qnexa NDA is April 17, 2012.
About Qnexa
Qnexa [kyoo-nek-suh] is an investigational drug candidate being developed to address weight loss, type 2 diabetes and obstructive sleep apnea. Qnexa is a once-a-day, proprietary, oral, controlled-release formulation of low-dose phentermine and topiramate, which is designed to decrease appetite and increase satiety (the sense of feeling full), the two main mechanisms that impact eating behavior. In phase 2 and 3 clinical data to date, patients taking Qnexa have demonstrated statistically significant weight loss, glycemic control, and improvement in cardiovascular risk factors, when used in combination with a diet and lifestyle modification program.
About VIVUS
VIVUS is a biopharmaceutical company developing therapies to address obesity, sleep apnea, diabetes and male sexual health. The company's lead investigational product in clinical development, Qnexa, has completed phase 3 clinical trials for the treatment of obesity and is currently being considered for approval by US and EU regulators. VIVUS received a Complete Response Letter, or CRL, to the initial Qnexa NDA on October 28, 2010. We resubmitted the Qnexa NDA in October 2011, with an FDA action date of April 17, 2012. Qnexa is also in phase 2 clinical development for the treatment of type 2 diabetes and obstructive sleep apnea. In the area of sexual health, VIVUS has submitted an NDA for avanafil, a PDE5 inhibitor being studied for the treatment of erectile dysfunction, with an FDA action date of April 29, 2012.
Certain statements in this press release are forward-looking within the meaning of the Private Securities Litigation Reform Act of 1995. These statements may be identified by the use of forward-looking words such as "anticipate," "believe," "forecast," "estimate," "expect," "intend," "likely," "may," "plan," "potential," "predict," "opportunity" and "should," among others. There are a number of factors that could cause actual events to differ materially from those indicated by such forward-looking statements. These factors include, but are not limited to, the response from the United States Food and Drug Administration, or FDA, to our resubmission of the New Drug Application, or NDA, for Qnexa for the treatment of obesity, including weight loss and maintenance of weight loss, recommended for obese patients (BMI ≥30 kg/m2), or overweight patients (BMI ≥27 kg/m2) with weight-related co-morbidities such as hypertension, type 2 diabetes, dyslipidemia, or central adiposity (abdominal obesity), with a contraindication that excludes the use of Qnexa by women who are pregnant; the timing and results of the retrospective observational study of fetal outcomes in infants born to mothers exposed to topiramate during pregnancy, or the FORTRESS study; the reliability of the electronic medical claims healthcare databases used in the FORTRESS study; the FDA's interpretation of and agreement with the information VIVUS submitted relating to teratogenicity and cardiovascular safety; the FDA's interpretation of the data from our SEQUEL study (OB-305) and Sleep Apnea study (OB-204); that we may be required to provide further analysis of clinical trial data; our response to questions and requests for additional information including additional pre-clinical or clinical studies from the European Medicines Agency, or EMA, and the Committee for Medicinal Products for Human Use, or CHMP, of the Marketing Authorization Application, or MAA, for Qnexa; the results of external studies to assess the teratogenic risk of topiramate; results of the REMS or cardiovascular outcomes for obesity advisory meetings; the outcome of the second advisory committee meeting for Qnexa; the impact, if any, of the agreement by one of our competitors with an obesity compound to conduct or complete a cardiovascular outcomes study pre-approval; impact on future sales based on specific indication and contraindications contained in the label and extent of the REMS, distribution and patient access program; the FDA's response to the NDA filed for avanafil; our ability to successfully commercialize or establish a marketing partnership for avanafil or our partner's ability to obtain regulatory approval to manufacture and adequately supply avanafil for commercial use; our history of losses and variable quarterly results; substantial competition; risks related to the failure to protect our intellectual property and litigation in which we may become involved; uncertainties of government or third party payer reimbursement; our reliance on sole source suppliers; our limited sales and marketing efforts and our reliance on third parties; failure to continue to develop innovative investigational drug candidates and drugs; risks related to the failure to obtain FDA or foreign authority clearances or approvals and noncompliance with FDA regulations; our ability to demonstrate through clinical testing the safety and effectiveness of our investigational drug candidates; our dependence on the performance of our collaborative partners; the timing of initiation and completion of clinical trials and submissions to the FDA or foreign authorities; the volatility and liquidity of the financial markets; our liquidity and capital resources; and our expected future revenues, operations and expenditures. As with any pharmaceutical in development, there are significant risks in the development, the regulatory approval, and commercialization of new products. There are no guarantees that our response to the FDA's CRL or CHMP's 120-day questions, the FDA's requests stemming from the end-of-review meeting or the results of the FORTRESS study and subsequent meetings and communications will be sufficient to satisfy the FDA or CHMP's safety concerns, that the FDA or foreign authorities will not require us to conduct any additional prospective studies or retrospective observational studies, or that any product will receive regulatory approval for any indication or prove to be commercially successful. VIVUS does not undertake an obligation to update or revise any forward-looking statements. Investors should read the risk factors set forth in VIVUS' Form 10-K for the year ending December 31, 2010, and periodic reports filed with the Securities and Exchange Commission.
Posted: January 2012
Related Articles
- FDA Approves Weight-Management Drug Qsymia - July 17, 2012
- Vivus Receives Notification of Qnexa PDUFA Date Extension - April 10, 2012
- FDA Advisory Committee Recommends Approval of Qnexa - February 23, 2012
- VIVUS Announces Date of FDA Advisory Committee Review of Qnexa for the Treatment of Obesity - December 27, 2011
- FDA Accepts New Drug Application Filing for Qnexa - November 3, 2011
- VIVUS Resubmits Qnexa NDA to the FDA - October 17, 2011
- VIVUS Provides Regulatory Update on Qnexa NDA - January 21, 2011
- VIVUS Submits Briefing Document to FDA, Announces Follow-up Meeting to Discuss QNEXA - December 14, 2010
- FDA Issues Complete Response Letter to Vivus Regarding New Drug Application for Qnexa - October 29, 2010
- Vivus Comments on FDA Advisory Committee Panel Meeting on Qnexa (phentermine/topiramate) Controlled Release Capsules for the Treatment of Obesity - July 16, 2010
- VIVUS Announces Date of FDA Advisory Committee Review of Qnexa for the Treatment of Obesity - March 26, 2010
- VIVUS Announces FDA Acceptance of Qnexa New Drug Application for Treatment of Obesity - March 2, 2010
- Vivus Submits Qnexa New Drug Application to the FDA for the Treatment of Obesity - December 29, 2009
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Simple storage trolley for dress-up clothes with lockable castors and freestanding mirror. Available separately or Save money when you buy them together... View more
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This vintage Roadside Treasure is a "must stop" whether you're on a day trip along Rt 20 or on a vacation in the area. Stopping at the iconic structure is sure to be a surprising experience.
The Tepee located on Historic RT 20, is half way between the charming villages of Cherry Valley and Sharon Springs NY. The Tepee is know for its breathtaking panoramic view of The Mohawk Valley, reaching 90 miles north to the distant Adirondack Mts. Wow, what a view!
Not only is it the place to go for Minnetonka Moccasins, fine Native American-made items, drums, flutes, music and books, there is also a selection of products made in the USA as well as locally. Wow, something for everybody!
Make sure to visit the Tepee Chow Wagon (located at The Tepee). This is not your typical hotdog stand. the Tepee's "nearly famous" chili(s) are a local favorite, and we have delighted our customers for the past 11 years with our delicious food and fun conversation. Wow, it's great food!
The Tepee will be a unique experience and a memory you'll treasure forever.


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Bark Control collars and ultrasonic deterrents help teach your pet to stop all the barking. Each time your dog barks, he receives a safe, humane static correction from his collar. Most dogs learn to stop barking in only a few days.
We're committed to finding the right barking solution for you and your dog. If you're not sure which bark control product to choose, contact our Customer Care team and we'll gladly help you decide. If you're not satisfied with your PetSafe® product, you can return it within 30 days for a refund.
Learn how Bark Control collars & deterrents keep your dog quiet.
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This Week's Bad Photoshopping Lesson Comes From Scientology
from the the-thetans-did-it dept
The universe has a sense of humor. I'm convinced of it. See, as someone who believes that humor is a wonderful way to deal with otherwise disheartening topics, I'm amazed at how often the world around me will give me something to laugh at when I'm feeling blue. Take the world's current climate on the topic of religion, for instance. It'd be very easy to get down in the dumps over the Westboro Baptist Church, religious fundamentalists engaging in acts of terror, and the never-ending saga known as the Middle East "peace" process. None of those things are laughing matters. But then, reading the forlorn expression on my face, the universe sends me another story from the Church of Scientology.
The Tom-Cruise-iest religion on the planet took a break from their attempt to destroy free speech to celebrate the grand-mega opening of their new ironically named Ideal Organization in Portland by producing the worst photoshopped picture this side of the Iranian military.
The crowd was around 450-750 people. But the church claims it was more like 2,500, and it Photoshopped in the proof. Except the proof is about as convincing as your thetan's origin story. In reality, there were no people in the right-hand side of the photo. There was actually a line of rented trees set up to block the view of people not so friendly to Scientology (see the photo below), as well as police blocking off a four-block radius for the event. And it's not just that the picture was doctored, it's that it was done quite poorly. They added people right on top of the trees in the altered section.Tony Ortega has the two photos that demonstrate this. First was the "official" photo from the Church which is clearly photoshopped.
So a word of friendly advice to my Scientologist friends: brainwashed graphic designers are a better asset than brainwashed Tom Cruises. For ever and ever. Amen.
Filed Under: exaggeration, photography, photoshop, scientology
Companies: scientology


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CBI, a division of UBM Americas (together with its affiliated entities, "UBM") has created this privacy statement to demonstrate our commitment to full disclosure of the information collection and use practices applicable to this website. This privacy statement discloses what information we collect via this website and how we use it.
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Some portions of this website may require you to give us personally-identifiable information such as your name, job title, company, physical mailing address, e-mail address, telephone and fax numbers (Personal Information) and, if applicable, financial information such as your credit card information (Financial Information), for, without limitation, (i) to register for attendance at certain UBM trade shows, conferences and events; (ii) to obtain access to certain online content and functionality; and (iii) to subscribe to our publications. If you communicate with us by e-mail, post messages to any of our chat groups, bulletin boards or forums, or otherwise complete online forms, surveys or contest entries, any information provided in such communications may be collected as Personal Information.
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Each year, the ICOM Advisory Committee proposes a theme that can be used by museums to increase their stakes at the core of society. The theme for 2011 is Museum and Memory.
Museums hold memories and tell stories. They have numerous objects in their collections that are basic to the memory of the communities we live in. These objects are the expression of our natural and cultural heritage. Many of them are fragile, some endangered and they need special care and conservation. International Museum Day 2011 will be an opportunity to discover and rediscover your individual and collective memory.
Five topics can be developed during International Museum Day 2011:


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Topic: iRedMail-0.8.0-beta2 has been released, with perfect Gentoo support
Dear all,
iRedMail-0.8.0-beta2 is now available for testing, you can download it here: iRedMail-0.8.0-beta2.tar.bz2.
We need your help to test it on all supported Linux/BSD distributions, especially test on Ubuntu 11.04/11.10 to make PostgreSQL backend stable, and test on Gentoo Linux with the latest portage.
NOTE: Please do NOT install beta releases on production server, there's no upgrade tutorials available for beta releases.
Major changes since iRedMail-0.7.4 are:
It now works on Gentoo Linux perfectly, with the latest portage. Here's installation guide for Gentoo Linux.[0.8.0-beta2]
You can now choose to store mail accounts and application data in PostgreSQL database. NOTE: PostgreSQL backend is available on only Ubuntu 11.04, 11.10. [0.8.0-beta1]
Upgrade Roundcube webmail to the latest stable release 0.7.1. [0.8.0-beta1]
There will be 1 or 2 beta releases available soon for new features:
SpamAssassin bayesian filter and auto-learning
PostgreSQL support in iRedAdmin, both open source edition and iRedAdmin-Pro
Also, we need your help to make iRedMail work on Arch Linux, please refer to this post:
- Call for help: Missing two required packages in Arch Linux
http://www.iredmail.org/forum/topic2836 … linux.html


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Master Restoration, Professional Audio Recording Cleanup
Master Restoration Suite is a comprehensive set of restoration plug-ins for cleaning up tape, vinyl, and acoustic recordings. The tools give extremely high quality results with minimal tweaking, hence they sound great and are easy to use.
These plug-ins run within any Mac OS X (AU/VST/MAS/RTAS) or Windows (DX/VST/RTAS) based music production or audio editing application.
The MR Suite consists of 5 plug-ins:
- MR Noise – Stellar sounding broadband noise reduction
- MR Click – Click and crackle filter for vinyl or digital sources
- MR Hum – Precise hum and buzz removal
- MR Gate – Expander/gate for quick and simple background attenuation
- Master Restoration – The ultimate all-in-one cleanup tool
As far as I'm concerned [Wave Arts MR Suite] is top of the pile.
Master Restoration offers a surprisingly cost-effective solution for audio restoration (9/10 score)
9 out of 10 score: Overall, [Master Restoration Suite] is incredibly good fun to use, and the results speak for themselves.
Computer Music


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In 1967, Allen Wilner started with a 500-square foot studio in a corner of a warehouse, with one artist and two assistants. He had a simple idea: to have in-house artists create genuine works of art for the world of interior design. For over 49 years, Renwil has expanded to include lighting, mirrors, accessories, accent tables, and their rug art line. The heart of the organization remains in their newly renovated 3,500-square foot studio, with ten in-house artists.
Hand-painted on wood box – Plaster texture


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I know, I know. Sometimes we go off on photo tangents that probably leave you wondering what on earth we're talking about. Truth is, many of our blog readers are professional photographers and other wedding vendors (holla!) so we find it helpful to toss in some of the industry things we are doing now and again into the blogging mix, too.
Last week we took a company field trip. Whitney, Denise, Megan, Steve and I (plus pro pal Audra) hit up WPPI, the "it" conference for wedding and portrait photographers at MGM's conference center in Las Vegas. Among 12,000 others, we took in the sights, the awesome opportunity to learn and share, time to connect with some of my most favorite friends and goodness, I ate well! I was only there for 48 hours, awake for 40 of them (thank you, Starbucks!), determined to make every minute count for my first time away sans bebe.
I have attended this conference 6 of the last 7 years and each time I go, I'm amazed at how quickly the industry is changing. With so many newcomers to the field and, sadly, a high turnover rate, some of the photographers I once admired have since gone on to other things and new trendsetters have stepped up in their place. It's always the pat-on-the-back/mid-winter boost of inspiration I need each year, and I loved having such an outstanding staff to roll with (as Steve likes to say).
We had a lot of fun with the crew at the Pinhole Pro booth, the professional photographer's portal of the Pinhole Press products you've spied in Martha Stewart and Real Simple lately. Even cooler, our images are featured on some of their handsome toothy paper goods! Photo notepads, journals, calendars, brag books, thank you notes and even magnets, Pinhole is the hot spot for photo gifts. There they also launched a new desktop design solution with many fantastic tools for customization. Sweet! (pros only. Sorry, mom). We're tickled to be associated with such a top quality company and loved seeing the buzz at their booth. Check 'em out!


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- What We Do
- Midwest Endangered Species
- Candidate Conservation
- Listing
- Recovery
- Section 7 Consultation
- Permits
- Habitat Conservation Plans
- Grants
- Endangered Species Act
- Glossary
- Listed Plants and Animals
- Featured Species
- All Midwest Listed Species
- State and County Lists
- Species of Concern
- Extinct Species
- Fact Sheets
Endangered Species Program
The mission of the U.S. Fish and Wildlife Service's Endangered Species program is conserving and restoring threatened and endangered species and their ecosystems.
U.S. Fish and Wildlife
Service in the Midwest
The Midwest Region includes Illinois, Indiana, Iowa, Michigan, Minnesota, Missouri, Ohio and Wisconsin.
Find a location near you »
Karner Blue Butterfly:
Wisconsin's Statewide Habitat Conservation Plan
Habitat Conservation Plans are receiving attention all over the country. These plans have the potential to conserve species on private lands and contribute to recovery of Federally endangered species.
The State of Wisconsin is a stronghold for the endangered Karner Blue Butterfly. Wisconsin's Department of Natural Resources (DNR) wants to keep it that way. However, the Karner lives and roams wherever it finds suitable habitat, regardless of who owns it. It is found on private and state lands where it may be killed or its habitat destroyed. Activities like timber harvests, prescribed burns, and rights-of-way mowing may destroy Karner Blue Butterflies and their habitat or they may cause immediate harm but actually improve habitat over time.
The Endangered Species Act prohibits the "take" (i.e., destruction or harm) of threatened or endangered species unless a permit is obtained from the U.S.Fish and Wildlife Service. The permit is called an "Incidental Take Permit" and is obtained only after a Habitat Conservation Plan is developed. The Habitat Conservation Plan identifies how "take" will be reduced and identifies the actions that will be used to compensate for "take" that occurs. The Wisconsin DNR and 25 partners, including forest industry partners, utility companies, and non-governmental conservation organizations prepared a Habitat Conservation Plan so that they and the citizens of the State could continue to conduct their normal activities but the Karner Blue Butterfly and its habitat would be conserved.
For nearly five years, we (Region 3 of the U.S. Fish and Wildlife Service) have been working with this large group of partners, with the Wisconsin Department of Natural Resources as the lead, on a statewide Habitat Conservation Plan for the Karner Blue Butterfly in Wisconsin. This plan represents a tremendous effort by a diverse partnership and has the potential to ensure habitat for the Karner Blue Butterfly in suitable areas across the state.
We received the Habitat Conservation Plan (Plan) and Environmental Impact Statement (EIS) along with an application for an Incidental Take Permit under the Endangered Species Act in April, 1999. Based on information in the Plan, the EIS, and public comments on the Plan and EIS, we issued a permit covering all citizens of the State of Wisconsin. The permit authorizes take of the butterfly during otherwise lawful activities. In reality, the Karner blue butterfly benefits from many of those activities even though individual butterflies or their eggs are destroyed. This is because Karners depend on open areas (i.e., vegetated with grasses and herbs). If its habitat is not managed, shrubs and trees take over and Karners (and other species that use open areas) can no longer survive. The Service believes the activities that will occur under this permit will promote long term conservation and recovery for the Karner blue butterfly.
September 1999
Links to more information about the Karner Blue Butterfly and the Habitat Conservation Plan
The Karner Blue Butterfly Habitat Conservation Plan Fact Sheet
USFWS Report: State-Wide Karner Blue/Wisconsin DNR. For a synopsis go here and select "State-wide Karner Blue/Wisconsin DNR " from the drop-down menu, then click the "Individual Report" button.
Habitat Conservation Plans and the Endangered Species Act
Karner Blue Butterfly - information on this website
Questions and Answers about the Karner Blue Butterfly Habitat Conservation Plan
Back to Karner Blue Butterfly page
- What We Do
- Midwest Endangered Species
- Candidate Conservation
- Listing
- Recovery
- Section 7 Consultation
- Permits
- Habitat Conservation Plans
- Grants
- Endangered Species Act
- Glossary
- Listed Plants and Animals
- Featured Species
- All Midwest Listed Species
- State and County Lists
- Species of Concern
- Extinct Species
- <Fact Sheets


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Nigel R Glasgow is a professional producer and engineer who has worked with artists such as Jessie Ware, Tony Allen, JLS, Toddla T, Benga, Ben Westbeech, Ronnie Wood and loads more! Nigel recently spoke to Focusrite to tell them why he uses their 18i20 audio interface. CLICK HERE to read the interview.
The Scarlett 18i20 is a beautifully crafted audio/MIDI interface with 8 fantastic-sounding microphone preamps, 10 analogue line outputs, plus a host of digital connectivity, offering 18 inputs and 20 outputs in total! It's an ideal product for any home studio that requires plenty of connectivity.


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Barefoot Sewing
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This zippered pouch, made with officially licensed Captain Marvel fabric, measures approximately 8" x 5". Use it as a pencil pouch, makeup bag, handheld video game protector, coin purse, clutch, or just about anything else!
All seams are professionally finished, so you never have to worry about fraying edges. Individual pouch designs may vary slightly from the pictured pouch, but will still be cut from the same fabric. If you would like to see photos of the pouches we have in stock, please contact us before ordering and we'll be happy to help!
Barefoot Sewing is not affiliated with Captain Marvel or its creators in any way. This is not an officially licensed product, but it is made with officially licensed fabric.
Pens, pencils, markers, and scissors not included.
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Black Panther Fabric Pouch
Marvel Black Widow Fabric Pouch
Harley Quinn Hiya Puddin'! Patch
Black Widow Patch


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For the past 25 years Marie-José Dhaese has been teaching internationally the therapeutic methods she has developed in the field of abuse, loss and trauma. Expressive Play Therapy has proven to be particularly helpful to children and adults experiencing the consequences of a variety of stresses and difficult experiences.
The objectives of the Expressive Play Therapy Certificate are:
* To prepare learners to provide safe, effective interventions and to choose and implement therapeutic materials conducive to creating a safe and therapeutic space for children and adults who have experienced loss, trauma, abuse and/or neglect.
* To provide learners with the theoretical principles of holistic expressive therapy as related to the subject of trauma, complex trauma, dissociation and post traumatic stress disorder in the counseling setting.
* To provide credit (credentials) for learners wishing to further their education and training (The core instructor is a continuing education provider for the Association for Play Therapy and the Canadian Association for Play Therapy, students with Master's degrees may apply for Continuing Education Units towards registration with APT and certification with CACPT)
For more information, please visit http://jibc.ca/programs-courses/schools-departments/school-community-social-justice/centre-counselling-community-safety/programs/expressive-play-therapy-certificate


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Dorothy and Barrett had a great story about when they met. Barrett is a hockey coach, and Dorothy is a figure skating coach. A friend of his had invited him to play in a senior league hockey game (something Barrett really wasn't excited about). However, when he set eyes on the score keeper (Dorothy), he was happy to be there. How did they meet? Well, he fouled one of the players, but the referee didn't see it. So he told the ref "Hey, you need to put me in the penalty box!".
This photo shows their monogram gobo on the ceiling, and the uplighting along the outside columns.
Since the bride is a figure skating coach, we had a little bit of fun with the first dance. I printed
up some score cards for the wedding party, which they held up at the finish of Dorothy and Barrett's
first dance. It was a huge hit! (And they scored a 5.9 out of 6!)
I love this photo!
I had a great time at Dorothy and Barrett's reception – what a fun crowd!
Our groom, Barrett, performing a toe-touch.
I can honestly say that I've never seen this before (and it did make me wince a little!)
I get a cool photo every once in a while. (You should see the hundreds that I delete!)
Happy couple: Happy DJ
The Music:
Cocktail music: Classical
Dinner Music: Jazz instrumentals
First Dance: "God Bless the Broken Road", Rascal Flatts
Father / Daughter Dance: "Half the Man", Brad Paisley
Mother / Son Dance: "Because You Loved Me", Celine Dion
Garter Toss: "Danger Zone", Kenny Loggins
Bouquet Toss: "Single Ladies", Beyonce
The Team:
Venue: Katy Boykin, LaCima Club
Photographer: Catoe Hervey
Uplighting: Specialty Sound
Useless Stats:
Speakers used: Four
LED dance lights: Seven
Power Circuits: Two 20-amp
DMX Cable used: 150′
Speaker Cable used: 50′
DJ / Lighting setup man-hours: Six
More Photos:
[nggallery id=10]


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Church of England Fears Proposed Law Will Mandate Same-Sex Ceremonies
Although Prime Minister David Cameron has tried to assure British churches that any new same-sex marriage legislation will apply only to civil law, lawyers from the Church of England are arguing that the new legislation would force them to perform same-sex ceremonies in spite of their beliefs.
"If Parliament were in due course to legislate for same-sex marriage, as recently suggested by the Prime Minister, we would of course be in new territory," said the General Synod of the Church of England in a recent paper.
The proposed legislation is expected to allow civil same-sex marriage ceremonies that could be held in state register offices or other "approved premises," such as large homes.
Although members of Parliament have tried to craft legislation that would leave churches out of the same-sex marriage process, the Church of England is concerned that the pre-existing 2010 Equality Act will force them to either perform same-sex ceremonies or be subject to prosecution.
According to the church's paper on same-sex marriage legislation, "A key relevant section is section 29 of the Equality Act which makes it unlawful for a person concerned with the provision of a service to the public or a section of the public to discriminate on various grounds, including sexual orientation."
Should the same-sex marriage legislation be passed in its current form, both same-sex and heterosexual marriages could be considered the same "service to the public," thus requiring churches to provide the service without regard for sexual orientation.
Archbishop of York Dr. John Sentamu has urged Cameron to not move forward with the legislation, calling it "an unjustified change."
The archbishop also believes that the government may not be able to pass the legislation without the Church of England's approval.
"It is not simply saying we have got to allow a civil partnership to happen," he said. "They have got a problem because the definition of marriage is in the 1662 prayer book and Article 30 of the Church of England, which are both Acts of Parliament."


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Re-establishing the Gentleman- As Featured in GQ Magazine - Worldwide Shipping
Regular price
Society Gent's Green and Yellow Tartan Self-Tie Bow Tie.
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Items are posted first class and our return policy lasts 30 days.
To be eligible for a return, your item must be unused and in the same condition that you received it. It must also be in the original packaging.
To complete your return, we require a receipt or proof of purchase.
Refunds (if applicable)Once your return is received and inspected, we will send you an email to notify you that we have received your returned item. We will also notify you of the approval or rejection of your refund.
If you are approved, then your refund will be processed, and a credit will automatically be applied to your credit card or original method of payment, within a certain amount of days.
Exchanges (if applicable)We only replace items if they are defective or damaged. If you need to exchange it for the same item, send us an email at email@example.com .
GiftsIf the item was marked as a gift when purchased and shipped directly to you, you'll receive a gift credit for the value of your return. Once the returned item is received, a gift certificate will be mailed to you.
If the item wasn't marked as a gift when purchased, or the gift giver had the order shipped to themselves to give to you later, we will send a refund to the gift giver and he will find out about your return.
You will be responsible for paying for your own shipping costs for returning your item. Shipping costs are non-refundable. If you receive a refund, the cost of return shipping will be deducted from your refund.
Depending on where you live, the time it may take for your exchanged product to reach you, may vary.
Society Gent are rapidly becoming the go -to supplier for discerning gentlemen who want handmade luxury accessories not found anywhere else. A handmade product lets you know that care and attention has been paid to your product from people who have a passion for what they do. The quality is obvious and we are sure you will see it too! Many of our customers are return customers who let us know that they appreciate the quality and love in their accessory and that they cannot go back to "high street" accessories!
Above all, you are supporting a family business that is trying to make a difference. We love seeing gentlemen wearing our handmade accessories and every sale means the world to us. Thank you.


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Bank of America Backs Down On New Fees
Bank of America Corp. has shelved plans for new fees that could have hit at least 10 million customers by the end of this year, skirting a potential replay of a 2011 uproar over consumer-banking charges.
The decision to hold off on new checking-account fees at least until late next year comes amid a sweeping review of the bank's retail-banking business, said people familiar with the bank's plans.
To Read the Full Story


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Becoming a WSF Member is Free, you can also sign up using your Facebook, Twitter or Google Account to make life even easier.
Membership has the following benefits:
- Members gain full access to the whole of the WSF site, including our popular for sale boards.
- The ability to search through 10 years worth of tackle advice and catch reports.
- Less adverts.
- Regular updates on what is happening in the world of sea fishing.
Illegal netting Ayrshire beaches.
Discussion in 'Scotland Catch Reports' started by GERRY72, Aug 4, 2020.
Page 2 of 2
Page 2 of 2


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MEMU private coach manufacturing plant to build inside Rajasthan
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text:
IQT Day, Making Things Smarter
Michael Dell describes how Dell Technologies is driving human progress by transforming IoT into IQT.
Go from IoT to IQT
Find out how smart IoT can be from Dell Technologies visionaries and our visionary customers.
- Getting to the show on time with IQT
- Vision by Michael Dell
- Our strategy
- Customer focus: Aerofarms and IoT-powered farming
- How to engage with Dell Technologies
- See IQT in Action with our latest innovations
We deliver IoT that's seven times as smart.
Michael Dell unveils his vision for IQT
Michael Dell unveils his vision for IQT—the combination of IoT and the practical application of AI—and introduces the new Dell Technologies IoT division.
Ray O'Farrell lays out Dell Technologies' strategy
Ray O'Farrell, General Manager, IoT Division, Dell Technologies, describes how edge, core and cloud make things smarter. Exec VP & CMO, Dell, Jeremy Burton highlights news.
Discover how Aerofarms is making things smarter
Andy Rhodes, VP, IoT Edge Computing, talks with AeroFarms CEO, David Rosenberg, about how IoT enables farming that uses 95% less water and ups yields by 130 times.
Engage with Dell Technologies for IOT
Joyce Mullen, Senior Vice President & General Manager Global OEM & IoT Solutions, Dell EMC, discusses OEM's critical role in IoT and shares ways to engage with us.
See IQT in action for automotive manufacturing
Jeremy Burton shares the stage with Ray O'Farrell and other Dell Technologies executives to introduce our latest innovations via a story making quality control smarter.
Q&A Archive
Read the live Q&A accompanying the event from viewers and SMEs, also including observations, photos and Tweets.
Gary Mintchel
Industrial IoT / Manufacturing Expert. Writer, speaker on technology, software, leadership, personal growth and development.
Bob Egan
Chief Research Officer and Founder of the Sepharim Research Group.
Tamara McCleary
CEO and Founder, Thulium, a brand amplification company, specializing in B2B social media account-based marketing.
Eric Vanderburg
IoT and Security Vision. Cybersecurity, Privacy, and Tech Leader, Author, Consultant, and Speaker, VP, Cybersecurity at TCDI.
Dan Newman
Principal Analyst at Futurum Research, CEO of Broadsuite Media Group, President of Digital Agency V3B.
William McCabe
IOT Recruiting.
The Vision of IoT | A Video Overview
Fifty billion devices will be connected by 2020; see Intel's vision of IoT in this video overview. From smart homes, cars, and cities, the Internet of Things is creating a more convenient, secure, intelligent, and personalized experience.
Intel & Dell: On The Scene At IQT Day
Rose Schooler, VP & GM of IoT Global Sales from Intel Corp joins Jeremy Burton, Chief Marketing Officer at Dell to discuss Dell and Intel's investments in bringing the Internet of Things to life.
The Evolution of IoT: Connect the Unconnected
Phase One with Brian McCarson CTO of IoT strategy for Intel.
The Evolution of IoT: Smart and Connect Things
Phase Two with Brian McCarson CTO of IoT strategy for Intel.
The Evolution of IoT: Software-Defined Autonomous World
Phase Three with Brian McCarson CTO of IoT strategy for Intel.


text:
What does everybody here run as their home defense shells?
I have searched for a happy meduim but I just deided to go with Hornady Critical Defense 00 buck with some slugs mounted in a side saddle. I have been doing a lot of shotgun shooting as of recent and the Hornady Critical Duty is a hell of a shot shell, but it is 690 bar and the potential for overpenetration is defintely there.
I have tried #9 bird shot against skeet and paper and my worry about using that is stopping power.
Just curious what everybody else is using and why.


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Thursday, February 17
a love story
87 comments:
wow! look at that amazing family!!!!ReplyDelete
This is so beautifully written, almost in tears here. Thank you for sharing your story Meg. You have a beautiful family!ReplyDelete
am i ever going to read one of these that doesn't make me tear up?? :) seriously, though, i'm loving this series~ it's been such a blessing to see how God works and moves in so many people's stories.ReplyDelete
Oh, Meg! This brought tears to my eyes because my husband and I had a less than perfect start that God has blessed tremendously. And I mourn that perfect setting and youth that I didn't have sometimes too. But I don't know if my faith would have been strong without that time in my life. Whenever I am doubting God I just look back and can see His hand throughout the last 14 years. Thank you for sharing your story! ~ FeFeReplyDelete
That was beautiful. I, too, don't have a glamorous love story but it's our story. So thank you for sharing that.ReplyDelete
ya'll are awesome. thanks for telling your story honestly.ReplyDelete
you live in kansas? me too? you don't use caps? me either. we should hang.
MEG! oh, how i love you! such a great story, but an even better picture of God's redeeming grace. love love love.ReplyDelete
loved hearing your voice a little differently today. made me happy.
oh, and the bright red acrylics in your wedding picture made me pretty happy too. ;)
Thank you for your honesty and sharing your very special and personal journey through love.ReplyDelete
What a great, honest story. Thanks for sharing!ReplyDelete
amazing, beautiful story. Thank you for sharing! I love whatever. Best blog ever!ReplyDelete
You + Craig + Your Amazing God.....one amazingly beautiful story. Thanks for sharing it here.ReplyDelete
My love story is so similar to yours Meg, but I don't think I could have written it out as well as you did. Thanks for sharing, you're always so honest.ReplyDelete
meg...i am very close to tears. what a powerful story of human love and of God's love. i knew you guys had a depth to you, now i know why. thanks for sharing and what a powerful testimony to your kids.ReplyDelete
these have been so encouraging danni! it's been amazing to hear about God's faithfulness in all these love stories. to see His grace. thanks so much for having folks share!ReplyDelete
i love happy endings, especially when they glorify god.ReplyDelete
- AnonymousFebruary 17, 2011 at 10:27 AM
Nice work Meg.. thanks for making me tear up at work... I knew this was a bad idea to read.. but I had to.. I'm a follower..ReplyDelete
God bless you and your family...
I love Meg,what a great love story. I real life one.ReplyDelete
Beautiful story. Beautiful family.ReplyDelete
What an awesome love you share with your husband....this is a true love story and thank you for sharing.ReplyDelete
go kansas! we live here too! thanks for sharing...what a great love story. btw, i write in all caps. what what!! don't hold it against me.ReplyDelete
Well - that was pretty darn perfect.ReplyDelete
i heart meg and so happy to see her sharing her story here!! so, i like to think that i'm not much of a crier, but i am balling like a baby. God's love is so wondrous!!ReplyDelete
this is so beautiful meg. i love the honesty of your story so much. i think you really put perspective on a lot of things. beautiful. thanks for sharing. <3<3<3ReplyDelete
What an amazing story. Thank you so much for sharing it!ReplyDelete
SO SO sweet!!! Love it!ReplyDelete
Well, this is just pure Lovely.ReplyDelete
You told your story so well, M. It's gonna bless people.
ps- I like you in pigtails!
I am in love with the fact that you're posting these, I can't get enough! I get so excited every time I see you posted a new one!ReplyDelete
i faithfully read the whatever blog for every post, for stories just like this! thanks, meg!ReplyDelete
Wow Meg. Since Im a fairly new reader of your blog this is all news to me. Thank you for your open-ness and honesty. You're a true testament to what God can do through people! He loves us and redeems us. You've come so far and your family is beautiful! Many Blessings.ReplyDelete
Amazing story, Meg. A beautiful testament to God and love.ReplyDelete
What a wonderful story. I LOVE hearing the ways the Lord moves & works in others lives. Thanks for sharing!ReplyDelete
Thank you for sharing your story Meg! Loved the pics too!ReplyDelete
I've been reading you blog for years (2?) and I didn't know all of this. What a beautiful and well written story. It brought tears to my eyes. Thanks for sharing your story with us.ReplyDelete
Your blog is so much fun! I'm loving the love stories! What a neat idea! So many stories highlighting God's unending love and redemption. Thanks for sharing!ReplyDelete
Thank you for sharing. I pray God continues to bless you.ReplyDelete
SO well written and such a beautiful story. That is what I appreciate about you (and your blog) so much- your realness. Thanks so much for sharing.ReplyDelete
oh, i love this story.ReplyDelete
we serve a good God.
- AnonymousFebruary 17, 2011 at 5:13 PM
Meg, I follow your blog but I never knew your love story. You should be very proud of the family you have created. My parents have been married 35 years and their story started the same way.ReplyDelete
- AnonymousFebruary 17, 2011 at 6:35 PM
I've said it before and I'll say it again - Meg, will you and Craig adopt me?! I think you're both amazing and thanks for showing that great things can come out of the darkest of moments (though i was hoping for a reshow of that pic of you guys your wedding party - you know the one I mean!)ReplyDelete
super great to read this here. thanks danielle love!ReplyDelete
THANKS FOR SHARING... ITS ALWAYS SO ENCOURAGING TO SEE WHAT GOD DOES WITH OUR LIVES WHEN WE LET HIM. WHAT A WONDERFUL STORY OF HIS REDEMPTION AND A BEAUTIFUL FAMILY.ReplyDelete
- Melissa SFebruary 17, 2011 at 8:35 PM
I loved reading your story Meg - very powerful and touching. Love your blog!ReplyDelete
that was beautiful. thank you for sharing it.ReplyDelete
What a beautiful story, and amazing family!ReplyDelete
What a Great God and a great story! Thanks Megan! KellyReplyDelete
beautiful!!! thanks so much for sharing.ReplyDelete
Megan, just this morning I was reading in Mark 5 when Jesus spoke to this man he had healed and he said to him "Go home to your friends, and tell them your story - what the Lord has done, how He had mercy on you." Thanks for sharing your story!ReplyDelete
Eph. 3:20 from The Message "God can do anything, you know - are more than you could ever imagine or guess or request in your wildest dreams!"
These are really very great Love Stories. I really appreciated your site and the variety and style of love stories.ReplyDelete
meg is one amazing chick! this post is so touching and full of love~ReplyDelete
oh gosh that made me cry. that is the sweetest love story ever. how amazing. im so impressed with you guys and your family. i can't imagine going through that and coming out stronger on the other side. god bless.ReplyDelete
That sounded almost like my story. We got married because I was pregnant and had 5 kidsin 10 yrs and am way more in love today then we ever were. I also feel loss for my youth but realize that I am so very blessed with what I have. I would never chage it:)ReplyDelete
I love Meg's blog and was so happy to see that she shared her love story. What a beautiful and touching story- made my heart swell! Thank you for sharing, Meg.ReplyDelete
*sniff, sniff* Megan, you're so stinkin' awesome. :)ReplyDelete
Hi Meg,ReplyDelete
I knew a little about your start because you once posted a pic of you in your wedding gown and talked about your imminent pregnancy, but it was neat reading all of the background that went up to it. Your family is beautiful!
- AnonymousFebruary 18, 2011 at 12:40 PM
Your love story is a zillion times better than the hearts and roses and diamonds and starry carriage ride kind.ReplyDelete
Thanks for being real. Thank Craig, too.
deb meyers
Meg is by far one of my very favs.ReplyDelete
I do believe that THIS is a true love story. Only true love with the help of God's love can be this strong and last as yours has. I have almost the same story out here in California, though mine started at 16. We also share the same anniversary! September 3rd 2005. We did not get married right when we found out becuase I was afraid that we would always be seen as the two who got married becuase we were pregnant-one of those teen-aged insecurities I guess. We have been together almost 10 years and we would never look back. I love your blog and all of your stories and appreciate that you share them with all of us. Thank you for being so real and amazing!
PS I have the same name too!
{big tears here} i know the beginning of that story but have never seen it end up where you and craig are today. what a testimony to the truth that by placing God as the center of your mariage it's all so possible, and will be better than ever.ReplyDelete
so sweet Meg! what a story! god is so awesome! your love is so apparent! your light for God is shining so bright girl. go meg!
Meg, that was so. beautiful. I love your blog so much. I love the *way* you share. I wish you lived next door.ReplyDelete
I always think that love storys that rise out from the mess are the best ones. They teach us way more about real and sustaining love.ReplyDelete
You rocked it out Meg! Thanks for sharing and being so real.
I love happy endings!ReplyDelete
You have a beautiful family...and a wonderful story to tell.
Have a happy day!
Love you Meg! Beautiful story of God's forgiveness and faithfulness. You are a light and testimony of what God can do with our brokenness! xoReplyDelete
I think I have said it before, but did you know that your story could be mine? Change five kids to four, and the summer camp physical to college physical.... For real....ReplyDelete
Thanks for your humility and vulnerability in writing this. And thanks for pointing to God's grace in it all...it truly is amazing.ReplyDelete
oh my. His big story is beautiful... beauty for ashes. it just doesn't get better than that.ReplyDelete
- StephanieFebruary 18, 2011 at 4:36 PM
My best friend was pregnant during her senior year, is still married to her man, and has a beautiful 16 year old daughter. She loves her husband and daughter fiercely, but still uses similar terms as you, "mistake" "ugliness" "bad choice" "missing out" "our mess". Her daughter hears those things, and she hears ONLY those things when the discussion comes up. I try to encourage my girlfriend to have those discussions when her girl isn't around. Children are such a gift from God. God saw that plan for my friend's life, and for your life, and He wouldn't have it any other way. Don't look back with regret, or sadness, or "what ifs" but with love and awe that this little child would not be who she is today if she wasn't conceived at that very exact moment in time.ReplyDelete
An amazing love story. Thanks for sharing it.ReplyDelete
"He chose me. He chose us." I was good til you wrote that. Sob.ReplyDelete
Beautiful, Meg :)
- AnonymousFebruary 18, 2011 at 6:26 PM
Meg, I cried through the whole thing! I love your family and I love our God!ReplyDelete
Troy, OH
How is it I missed this? I am an incredible romantic and would like to believe that, had you both continued on to school you would have still found each other in the end.ReplyDelete
Thank goodness things worked out the way they did. Lauren kept you two together. God must have known what he was doing.
Our God is an awesome God! Thanks for sharing.ReplyDelete
~Another Meg
thank you so much for sharing this. it was so very touching. such a fabulous image of god's love and of your hard work to make things work.ReplyDelete
Meg- I loved reading your story! It's such a wonderful picture of God's love, grace and mercy. We serve a good God. A God that was not at all surprised by your first pregnancy, but in fact knit your girl together in your womb.ReplyDelete
I love this Meg. Thanks for sharing.ReplyDelete
- AnonymousFebruary 19, 2011 at 2:06 AM
i lived this same story. i was 18...mine didn't quite turn out like yours but my love came along a year later. i felt all those feelings and still do sometimes.ReplyDelete
thank you for sharing...i know how hard that is because you aren't the same and don't want people to look at you the same.
you are an amazing woman!
- AnonymousFebruary 19, 2011 at 12:53 PM
Very beautifully written.ReplyDelete
I wish all young girls in that situation had the same outcome. Unfortunately, that is not the norm.
I have worked with teen-age girls and rarely does it work out.
You both have been very blessed because you chose to make it work and knew of the importance of that sweet little one. I'm so happy that you have a great family and that God heals and helps us along!
Wow! Beautiful!ReplyDelete
- AnonymousFebruary 19, 2011 at 4:24 PM
This is amazing, you all are so lucky (or blessed, I suppose). My husband and I got married too early and we are having some very rough times right now. It is hard to feel that there is any love left in our relationship. I hope that this is just a test.ReplyDelete
I have to comment because my husband and I came to where we are on a similar path as you. I have mourned the missed experiences too, but you are right. God takes our messes and he makes them clean. He has a plan and if we let him execute it the results can be incredible. Thanks so much for sharing!ReplyDelete
Such a beautiful story Meg. I think you guys are amazing.ReplyDelete
- maribethFebruary 20, 2011 at 9:53 PM
Megan-you were a perfect mother when you lived in our neighborhood and you continue to be more so as each day passes. your love story opened up memories and have me in tears and missing you and the kids today. your family and faith in God is beautiful. xoxoReplyDelete
Beautiful. Your story made me teary. Your faith in each other and in God is amazing and inspirational.ReplyDelete
God bless you and your lovely family!
love. what a beautiful love story.ReplyDelete
Onca again Meg, you said everything beautifully! I had the same situation with my husband, and i think the journey we have taken has made us stronger! thanks for sharing! And I love whateverReplyDelete
Wow, beleive it or not, this is one of the most beautiful love stories I have ever read despite the fact that you didn't get the most romantic proposal ever, the beauty is that the two of you are still together. Not too many people who actually received the "romantic" proposal even made it past the first ouple of years. Thank you so much for sharing this.ReplyDelete
it was a fabulous, and quite interesting stories of megReplyDelete


text:
By Janet Klein, Lauren Specter and Adrian Taylor
Rock Center
Updated 6:18 PM, April 12, 2013: In advance of Rock Center's report on the supplement industry, the FDA issued a warning about DMAA, the supplement present in the popular product Jack3d. Following the FDA's advisory warning, the Council for Responsible Nutrition, the leading trade association for the dietary supplement industry, called for manufacturers to stop producing products with DMAA and for consumers to stop using them. Both the FDA's advisory and the statement from the Council for Responsible Nutrition are embedded below.
NBC News
A bottle of Jack3d
Over the past few years, a popular dietary supplement has amassed a cult-like following of fitness enthusiasts across the country. From coast to coast, you can find small white canisters filled with a pink powder tucked into gym bags, stashed in lockers and sitting in kitchen cupboards.
Devotees claim it gives them that extra edge they need to run that elusive last mile, or to lift that extra 10 pounds.
But detractors call it potentially dangerous, perhaps even deadly.
The supplement is called Jack3d (pronounced Jacked), but the ingredient that users say sets it apart from other pre-workout supplements is 1,3 dimethylamylamine - or DMAA. The U.S. Food and Drug Administration says DMAA is illegal.
The FDA has received 86 adverse event reports believed to be linked to DMAA. Serious side effects reported to the FDA include depression, anxiety, vomiting, loss of consciousness, chest pain, and even death.
NBC News Chief Medical Correspondent Dr. Nancy Snyderman sat down with Dr. Daniel Fabricant, director of the division of dietary supplements programs at the FDA.
Fabricant's message about DMAA was clear: "It is an illegal dietary supplement."
So why is it still being sold in the US? Fabricant says, "banning it would be, you know…it's difficult."
The FDA has limited legal authority over supplements. In 1994, a law was passed by the U.S. government that declared dietary supplements exempt from pre-market FDA approval.
"We don't have pre-market approval…we don't evaluate [dietary supplement] products for safety or efficacy prior to them going to market," said Fabricant in an interview airing Friday, April 12 at 10pm/9CDT on NBC's Rock Center with Brian Williams.
So what can the agency do? On April 11, the FDA issued a consumer advisory warning against the supplement. A day later, the Council for Responsible Nutrition, the trade association representing the dietary supplement industry called on the manufacturer and consumers to heed the FDA warning.
"With this conclusion, CRN now calls on dietary supplement manufacturers to stop manufacturing these products and further advises consumers to stop using them," said Steve Mister, president and CEO of the Council for Responsible Nutrition in a statement released today. "The safety and well-being of consumers is always our highest priority."
This warning is not the first time FDA raised concerns about DMAA's safety. In 2012, the FDA sent warning letters to 11 manufacturers questioning DMAA's safety and challenging their claims that the ingredient even qualifies as a dietary supplement. All of them voluntarily pulled their products - except for USP Labs, the makers of Jack3d.
In a written statement to NBC News, Michael Petruzzello on behalf of USP Labs maintains that, "DMAA is a safe and lawful dietary ingredient. We stand by the scientific evidence presented and believe there is no reason to withdraw it from the market."
The company also points to "three published scientific papers [that] document that 1,3 DMAA can be extracted from [a] geranium found in particular areas of China," meaning it is a natural substance, and is therefore not subject to the FDA's drug approval process.
Dr. Pieter Cohen, a Harvard professor and member of the Cambridge Health Alliance who studies supplement safety, disagrees with USP Labs that DMAA comes from a plant.
"DMAA has nothing to do with nature … That's an absolute myth perpetuated by companies selling it," he says. "DMAA is a drug that manufacturers are passing off as a plant product."
So if DMAA doesn't come from the geranium plant, as USP Labs claims, where does it come from? Cohen says "DMAA is ... produced in a factory."
Debates over DMAA's origins aside, Cohen thinks the ingredient should be removed from the market for another reason: "Could it increase the risk of death? Could it lead to the death of a young healthy man? Absolutely."
Dr. Cohen says DMAA behaves in the body like an amphetamine: "If you took a low dose of this, you might notice a slight tremor-- a little more alert, awakeness, your heart beating a little faster."
He also sees similarities between DMAA and another supplement that was famously banned years ago, Ephedra.
After the Jump, read the FDA's advisory warning and the statement from the Council for Responsible Nutrition.
"Now we're seeing situations in which people are taking this and experiencing adverse events that are completely consistent with those that we saw with Ephedra-- the heart attacks, the strokes, the deaths," Cohen said.
In response to questions about the safety of DMAA, USP Labs had this to say: "The company is unaware of a single corroborated serious adverse event [associated with DMAA] when used in accordance with labeled directions for use," and that there are "eight peer-review published clinical studies detailing the safety of DMAA."
DMAA has been banned in the United Kingdom, Canada, Australia and six other countries. It is also prohibited for use by athletes by many sports organization in the United States, as well as the by the International Olympic Committee. The U.S. Military now prohibits the sale of DMAA on all bases, after two soldiers who used the product died.
One of those soldiers was Private Michael Sparling. On a June morning in 2011, Sparling went for a training run on his base compound in Fort Bliss, Texas. It was comfortable 70 degree weather and the 3.5 mile circuit was nothing unusual for the young, fit soldier.
Later that morning, Michael's mother Leanne received a phone call she'll never forget. It was the commander of the base hospital, calling to tell her that her son was in cardiac arrest. While preparing to fly to her son's bedside in Texas, Leanne called the hospital for an update on his condition.
"Ma'am, we've done everything we could to save him but at 11:17 this morning he passed away."
Michael Sparling was 22 years old. Grief-stricken, the Sparling family looked for answers. What could have caused their young, seemingly healthy son to die so suddenly?
During the autopsy, tests confirmed the presence of the substance DMAA in Michael Sparling's blood. Army doctors told the Sparlings that the substance may have played a role in his death.
He had only been using the product for a month before he died.
But even tragic stories like that of Michael Sparling, and the threat of possible side effects like heart failure and cerebral hemorrhage aren't enough to scare off many enthusiastic Jack3d users. In 2011, more than $100 million worth of DMAA-based products were sold in the United States.
Keith Stewart is a 24 year-old marketing manager in New York City who uses Jack3d almost daily as a part of his fitness routine. After work, Stewart heads to his apartment in lower Manhattan, takes the recommended dose of Jack3d, and quickly heads to the gym. He's got the timing of when he takes Jack3d down to a science, and won't let anything get in between him and his work out.
"Within 30 minutes, you feel this rush of energy in your body and you just have to move. You basically have to lift things, move things, get it out of your system … I take it, and I know 30 minutes later, if I'm not in the gym, I'm going to start to feel antsy.
"Your body will start to tingle. Your skin starts to tingle, actually … you can feel it in your veins. You feel this rush of energy in your body and you just have to move," says Stewart.
"Once I took it actually and I couldn't get to the gym, and, uh, I just remember I had to run. I just started running down the street, um, and doing like a work out in my own park, so, it was, uh. That was when I noticed that, wow this stuff is really powerful."
Powerful and available over the counter at many local supplement stores, like retail giant GNC.
GNC also declined our request for an interview, but had this to say: "GNC has no reason to believe that DMAA is unsafe. GNC, as a responsible retailer, does not sell products that contain substances banned by the FDA or that have been recalled by the FDA."
While it's true that DMAA is not a banned substance, Cohen feels the company has a responsibility to protect its customers.
"It's shocking that GNC continues to support USP Labs in selling their wares," Cohen said.
The parents of Michael Sparling say they aren't waiting for the FDA to ban DMAA, or for GNC to voluntarily pull Jack3d from its shelves. They are suing both USP Labs and GNC for causing their son's death. USP Labs has moved to dismiss the lawsuit. Regarding the two military deaths, USP Labs says, "There is absolutely no evidence to support the assertion that 1,3 DMAA had anything to do with those unfortunate deaths."
In a statement, GNC told Rock Center that the company relies on manufacturers to warrant "that the products are fully compliant with all applicable laws and…safe for human consumption."
And for the past two years, Michael's mother has been dropping into supplement stores to find out if they're still selling the product she believes killed her son. She told us about a conversation she had with a clerk a few months after Michael's death:
"I said, 'Well, I'm interested in a product called Jack 3D, or Jacked?' And he goes, 'Oh yes.' And he became very animated," she said.
Leanne says the clerk told her it was the store's top seller. She asked him if he had heard of any adverse side effects from using the product. "And he goes, 'No, it is 100% natural, it's totally safe…Are you buying it for your son?'"
Leanne Sparling pointed to the dog tags around her neck and said, "Do you see the dog tags I wear…They were my son's … He died after taking this product."
Editor's Note: Dr. Nancy Snyderman's full report airs Friday, April 12 at 10pm/9CDT on NBC's Rock Center with Brian Williams.